US 11,836,792 B2
Computer-based systems and platforms and computer-implemented methods configured for tracking data objects' behaviours and utilizing graphical user interface elements to execute numerous electronic activities with a single instruction
Ankit Kothari, McLean, VA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Nov. 9, 2020, as Appl. No. 17/093,433.
Application 17/093,433 is a continuation of application No. 16/725,805, filed on Dec. 23, 2019, granted, now 10,832,318, issued on Nov. 10, 2020.
Prior Publication US 2021/0192611 A1, Jun. 24, 2021
Int. Cl. G06Q 40/00 (2023.01); G06Q 40/02 (2023.01); G06Q 30/0207 (2023.01); G06Q 20/34 (2012.01); G06F 3/0482 (2013.01); G06Q 30/0235 (2023.01); G06Q 20/14 (2012.01); G06F 3/0484 (2022.01); G06Q 30/0234 (2023.01)
CPC G06Q 40/02 (2013.01) [G06F 3/0482 (2013.01); G06F 3/0484 (2013.01); G06Q 20/14 (2013.01); G06Q 20/34 (2013.01); G06Q 30/0213 (2013.01); G06Q 30/0234 (2013.01); G06Q 30/0235 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
receiving, by at least one processor from a point-of-sale electronic device, an activity authorization request for an electronic activity of a first electronic credit card account associated with a user, wherein the activity authorization request comprises an electronic request transmitted from the point-of-sale electronic device to the processor, and wherein the electronic activity comprises a credit card purchase transaction initiated by the user using the first electronic credit card account of the user;
wherein the activity authorization request comprises an electronic activity quantity initiated by the point-of-sale device, wherein the quantity comprises the amount of the purchase of the requested transaction;
determining, by the at least one processor, a plurality of additional electronic credit card accounts associated with the user;
determining, by the at least one processor, a second electronic credit card account from among the plurality of additional electronic credit card accounts that has a pre-determined minimum activity quantity, wherein the minimum activity quantity comprises a minimum spend requirement associated with the second electronic credit card account;
determining, by the at least one processor, a current total activity quantity of the second electronic account;
wherein the current total activity quantity comprises an aggregation of completed electronic activities of the second electronic account;
determining, by the at least one processor, based on historical purchase transactions of the user, a difference between the current total activity quantity and the pre-determined minimum activity quantity of the second electronic account;
generating, by the at least one processor, prior to authorizing the activity authorization request, an account notification, comprising:
i) a quantity indicator representing the electronic activity quantity associated with the requested electronic activity,
ii) a progress indicator representing the difference between the current total activity quantity including, the requested electronic activity, and the pre-determined minimum activity quantity of the second electronic account, and
iii) an activity authorization selection element that is selectable by the user to enable a user selection to switch to the second electronic account;
iv) when the difference between the current total activity quantity, including the requested electronic activity, and the pre-determined minimum activity quantity of the second electronic account is positive, a list of two or more suggested user-personalized purchase transactions, wherein the suggested user-personalized purchase transactions are personalized for the user based on (1) the historical purchase transactions of the user, (2) purchase transactions of at least one similar user, or (3) a combination of the two, wherein the list is configured to assist the user in meeting the pre-determined minimum activity quantity; and
v) a visual presentation of the list of the two or more suggested user-personalized transactions, wherein each user-personalized list element comprises a value of the transaction and a one-click action which enables user-selection of a particular user-personalized transaction on the list, wherein user-selection causes execution of the purchase transaction;
causing to display, by the at least one processor, the account notification on an interface generated by the processor on of the point-of-sale device or a computing device associated with the user to enable the user to utilize the activity authorization selection element and/or the one-click action to perform the user selection;
receiving, by the at least one processor, the user selection to switch the electronic activity to the second electronic account; and
automatically authorizing, by the at least one processor in response to the user selection, the activity authorization request for the second electronic account instead of the first electronic account.